start exercise. 1km walk, then 2km walk, then 1km run, then 2km run. progress slowly each week/ 2 week. only take 30 mins. or play badminton you'll battle with your mind to go further each time. get a strong body and it will get easier to think of plans. also, find ways to get passive income. it's your own income increment to build. do simple business like i do.